If you are a farmer and need a tractor, you will likely need a loan for it. Not many farmers can afford to buy one outright. Even a used tractor can be more than most can afford.

Buying a tractor is a huge investment and you need to think about it carefully. You should have your financial resources and your financing alternatives in place before you go looking for one. You could also investigate loans and leases for the tractor.

There are many lenders that will be able to help you finance this big piece of equipment for your farm. You could try looking at forbrukslån.no/lån-til-traktor to see what they can offer you. They may have several possibilities for you.

This article will share some ideas for financing your tractor and how you might be able to do it. It will help you to learn some of the things that you need to do before you can get your financing. You can also do some more research to find some information.

Tractor Financing

How Does Tractor Financing Work?

You buy farm equipment such as tractors through tractor finance. This involves taking out a loan for the price of the equipment. This can be through a finance company, bank, or other lender.

You can even get financing on used equipment if that is what you would prefer. Sometimes a used tractor will be just as good as a new one and will be far less expensive. Sometimes, though, only a new one will do for you.

To get the financing, you must first fill out an application. You will also need to supply all supporting documents such as your credit report, identification, and proof of income. Once you are approved you will be given all the terms such as interest rates and a plan to repay the loan.

As soon as you have signed all the paperwork, you will be given the money to make your purchase. After that, you will be responsible for the monthly payments for your purchase. Of course, you will make these payments until the loan is completely paid off.

Meeting Your Tractor Funding Objectives

There are many ways to finance your farm equipment including conventional bank loans, government financing, and online lenders. You need to do your research to make sure that the lender that you choose is a reputable one. You don’t want to choose one that wants to take advantage of you and your circumstances.

Many banks can provide some unique financing for farm equipment, including tractors. These loans have the same features as other loans, including interest rates and repayment schedules. The repayment schedules can be tailored to your unique circumstances.

As a farmer, you could also go to the government to help you to get the financing that you might need. One agency that you could go to is the Farm Service Agency, or FSA: https://www.fsa.usda.gov/. They help farmers to buy equipment for their farms.

You could also go to a leasing agency that can lease you a tractor for a monthly payment. You could lease it until the tractor was paid off, or you could just lease it for the time that you needed it. Leasing can give you a lower payment which would be best for people who are struggling a little more.

There are also many online lenders that could help you to get a tractor loan. You need to be careful and make sure that the company is a legitimate lender. There are many lenders who are not very reputable.

Making the Proper Loan Application

You need to make sure that you fill out the loan application in the proper way. You will also need to find out the amount that you will need to have for a down payment for your tractor. This could vary depending on your circumstances.

Most lenders will want a down payment of around 10 to 20 per cent of the cost of the equipment. If you can pay more than that, you might get unique perks such as a lower interest rate, lower payments, or flexible options for repayment. You might get the flexible repayment options, anyway, depending on your circumstances.

Bank Funding for Tractors

Once you have figured out what your down payment will be you need to check out your financing choices. Banks should be your first choice to explore because they usually offer the best rates, flexibility in repayment periods, and monthly payments. Banks could offer you the choice that will fit best with your budget.

You need to think about what type of loan you want to get from your bank. You could get a secured loan or an unsecured loan to begin with. There are differences between these two choices.

A secured loan means that you will use the tractor or another asset as collateral to your loan. This means that the lender will take the collateral if you fail to make any payments. This can get you lower interest rates and longer terms, as well as lower payments.

An unsecured loan means that you will not have to provide collateral for your loan. This is good for you if you have good credit. If your credit isn’t as good, it is more difficult to get an unsecured loan.

You also need to look at all the documentation that the lender will require from you. This typically includes proof of income, a government ID, and your credit report. This could also require more documents; you will have to ask your bank exactly what they need.

Looking at your credit report before you begin is a crucial step. You can look at the report to make sure that there are no errors in it. You can also pay off any debts that may be on there that you have forgotten to pay.

Internet Lender for Tractor Financing

If you can’t get traditional funding from a bank, you might try to find an internet lender to help you out. Online lenders are becoming a more popular choice for those who have difficult times getting a traditional loan. They sometimes won’t require as much information from you as other lenders.

Online lenders can also be faster than traditional lenders because they don’t require as much information to get started. They can also have money in your account as soon as the same day. This will help you to purchase your tractor sooner.

When you search for an online lender, you should compare interest rates first. There can be many different lenders with many different interest rates for you to choose from. Choose the one that best fits your circumstances.

You need to be careful when choosing an online lender. Check the online reviews to make sure that they are good companies to do business with. You can also check with the Better Business Bureau or your state’s attorney general’s office to see what they have to say.

Financing Programs

There are a few different finance programs that you could go through to get your farm equipment. You can check with the USDA Agriculture Loan Financing program or Midwest Farm Credit to see what they have to offer. They could probably help you when you are in a bind.

The USDA program is called the Farm Service Agency, or FSA. You can buy new or used equipment through their program. They also have other loans that you may be able to use through this program.

This is one of the easiest ways to get financed if you are a new farmer. They specialize in helping those who are new to the business and need that equipment for the first time. If you are new to the farming industry, try them and they will be able to help.

Midwest Farm Credit, or Farm Credit Mid-America, can also help you to get your first tractor. See here to check this out. They help people who are in rural areas in Indiana, Kentucky, Mississippi, Ohio, and Tennessee. They offer loans and other financial services for the first-time farmer.

Tractor Supply can also help with loans for your farm for certain purchases and projects. They have financing arrangements that will allow you a maximum of thirty-six months that are interest fee if you pay in full within the first twelve months. They can also give you extended payment plans that have fixed APRs that begin at 5.99% for up to sixty months.

Conclusion

There are many ways that you can get financial assistance for your new farm equipment. You can go the traditional way and go to a bank to see if they can help you. You could also go to an online lender to see how they can help.

There are also government programs that you can go through to help, especially if you are a first-time farmer or are purchasing your first farm equipment. You can also see what Tractor Supply has for you as a first-time farmer. Both are great options for you to check out. You might be surprised and get a lower APR and longer terms that could help you.

ALSO READ: 5 Crucial Wind Power Advantages to Fuel the Energy in Future

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Recently, a Cornish start-up has developed a technique using artificial intelligence to predict what the surface of the UK looks like under the gloomy skies. The satellite technology targets the agriculture sector and aims to help farmers better manage their crops. These advanced technologies are providing numerous benefits to farmers like increased scale, speed, and productivity of farm equipment, efficient cultivation of more land, improvements in seed irrigation, and fertilizers, etc.

However, a question regarding the implementation of these technologies continuously rises,

Are farmers really being able to leverage these advancements in agritech?

Well, there is no definite answer to this question as the technology and its application varies in every case. However, there are various factors we can consider to find an answer to this.

1. Affordability:

Affordability is one of the most prominent factors that directly impact the adoption of a particular technology. Some farmers may hesitate to use a costly technology even if it technology offers numerous benefits. Contrarily, some may choose advantages over cost and incorporate the technology.

2. Skills:

Many technologies require the operator to a specific set of skills. It is not always feasible for farmers to hire dedicated operators for the machines, thus, they need to have these skills. While some large companies arrange workshops for farmers on how to use the technology, some farmers that buy from local vendors may face problems regarding the technology implementation.

3. Reliability

While a majority of technologies are mostly reliable, some may have loopholes. Various factors like environmental conditions, location, etc. can affect the performance of a particular technology. Thus, we cannot fully predict the reliability of some technologies.

What lies ahead?

While we cannot convincingly say that farmers are leveraging the full potential offered by technology, we can see a lot of awareness in this field. With more young, educated people turning their focus towards agriculture, we are witnessing a changed attitude towards agriculture around the world. If this trend continues forward, farmers and the agricultural sector can definitely tap into the infinite possibilities offered by the technology!

Read more: Can Urine Evolution be a Booster for Green Revolution?

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The rising issue of water pollution worldwide has become a serious concern for farmers and agricultural workers. The latest breakthrough seems like a ray of hope for concerned people. But the major question is whether recycling urine can save the world from the upcoming water crisis?

A Peek into the Revolutionary Breakthrough

Gotland, one of the largest islands in Sweden, faces freshwater scarcity. The inhabitants are also battling dangerous amounts of pollution from agriculture and sewer systems that is causing harmful algal blooms in the surrounding Baltic Sea. This can not only kill the marine but also make people ill.

In 2021, a team of researchers from the Swedish University of Agricultural Sciences (SLU) in Uppsala, suggested utilizing human urine to combat these environmental challenges. They began collaborating with a local company that rents our portable toilets and went with the goal to collect more than 70k L of urine over a period of 3 years. They collected the designated quantity from waterless urinals and specialized toilets at several locations during the summer season.

The researchers developed a process in which the human urine was dried into concrete-like chunks and hammered into a powder. It was further pressed into fertilizer pellets that fitted into standard farming equipment. This fertilizer can be used by a local farmer to grow barley that will go to a brewery to make ale—which, after further consumption, could enter the cycle all over again.

Can this urine revolution enhance agricultural practices?

While the researchers aim to take urine reuse beyond its concept and into practice on a large scale, the real question is whether this process can be affordable for every local farmer in every corner of the world.

 For years, the concept of using dried waste and decompose has been considered an advantageous substitute for chemical fertilizers and manure used in agriculture. The unique concept of drying urine has the potential to kickstart a breakthrough approach to the green revolution. If implemented worldwide, recycled urine could replace nearly a quarter of all the synthetic nitrogen fertilizer used in agriculture.

However, the entire process would require the set up of a service chain that is capable of supplying local farmers with the required chemical agents to conduct the drying process. It will also require enough time and devotion of farmers for drying and processing it into fertilizers. A similar service chain already exists for the recycling of plastics, metals, paper and glass—dried urine could simply be another component.

The major concerns which arise here are

• Whether every farmer, irrespective of their assets or products, will be capable of affording the entire setup?

• Whether the process will trigger chemical pollution?

• Whether the entire setup will influence the designated agriculture budget of developing and under-developed nations?

Read more: Decades of Fluid Mystery Solved by Researchers using Fluorescent Micro Particles

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There’s also the fact that you can find a lot of products regarding them, each one capable of achieving great results in different ways. When it comes to CBD, you can also find CBD isolate and full-spectrum, with huge differences between the two.

This can complicate things for those wanting to start selling products and create their very own CBD business. That is why, in this article, we will cover essential aspects of cannabidiol products wholesales, so you get to understand some of the things you should have in mind when choosing products for your adventure.

Why People Rely on Medicinal Cannabis

The first thing you need to understand is that medicinal cannabis and CBD products are capable of achieving pretty much the same results. Back in the day, even during ancient cultures the Chinese, Greek, and Egyptian culture, cannabis was used as a form of analgesic.

The science is simple: it was combined along with drinks and beverages like tea or wine, dried then smoked, or combined with oils. It was used to reduce anxiety, stress, and fight inflammation and pain when people were sick or injured.

Nowadays, although medicinal cannabis and its derivations have been legalized in several places all around the world, it still has some stigmas. Thankfully, a lot of people are being open-minded about it and using it because it is capable of providing some relief for people with certain physical and mental conditions, including sleeping disorders and inflammatory diseases.

Medicinal Cannabis vs Cannabidiol Medication

Now, here’s where things get a little complicated. Even though medicinal cannabis has several compounds known as cannabinoids, two main cannabinoids stand from the others: THC and CBD. THC stands for tetrahydrocannabinol while CBD stands for cannabidiol. 

These two compounds are the ones granting the health benefits the plant provides, but THC is known as a psychotropic compound…  Simply put, it gets everyone who consumes it, high.

CBD is non-psychotropic, though, so although it grants the same benefits as THC, it doesn’t get people high at all. Right now we can find a lot of different types of the cannabis plant, but they enter three specific categories: 

• Indica, which are known for their relaxing and alleviating effects
• Sativa, known for being invigorating and boosting creativity
• Hybrids, a combination of the two with higher levels of either THC and CBD.

There’s a specific type of Indica cannabis plant that is known as the hemp plant, though, and as shown at https://www.besthealthmag.ca/article/what-is-hemp/, it has minimum levels of THC and higher levels of CBD.  This is why this specific derivation of the Indica cannabis plant is the one used to create CBD-based products, which are commonly known as hemp products as well.

Isolates and Full-Spectrum

Now, there are three categories inside of cannabidiol-based products, one is isolates while the other two are full-spectrum and broad-spectrum products. Although they are very similar, they have some important distinctions.

To put it simply, isolates are the concentrated version of the product. They are probably the purest form of CBD oil extracted from the hemp plant, and they are frequently found in their crystallized form, either in the form of powder or shatter.

Full-spectrum, on the other hand, are products derived from the oil extracted from the hemp plant combined with other compounds, like terpenes (which are aromatic compounds founds in a lot of plants), and other cannabinoids found in the cannabis plant. 

If you are curious, here are more details about it. Ideally speaking, they are all capable of providing great results, but isolates tend to be much stronger, so for some people, they might be better choices overall. 

Broad-spectrum is similar to the full-spectrum, but without the THC compound.

Choosing the Right Product

Still, if you are interested in wholesale deals, you have to be careful. If you want to choose products for yourself, choosing products that suit your condition or circumstances should be your top priority. 

This is because you want to make sure that you are getting something that works for you. I would actually recommend trying a specific product before going for a wholesale deal if this is the case for you.

However, if you want to get products to be sold at your store, you should definitely be more careful. Full-spectrum medication tends to be much more popular than isolates, just because isolates are a little bit more complicated to be consumed since they need specific tools to be used.

There’s also the fact that isolates being crystals or powders, might not look as good for the general customer. Full-spectrum might include things like tinctures, oils, cookies, gummies, vaping oils, and even cannabidiol-based strains, which are much more common, thus, more appealing for the general population.

For that reason, try to give it some thought. If you want to be a specialized store, isolates are fairly ok, however, if you want to be reached out by more people, you might want to go for the other option. You can also start with a combination of two products and a small investment, then choose based on the results of those sales.

Also Read: Green lightning: Sign of thunderstorm or the beautiful sky

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• Scientists from Osaka University created the world’s first 3D-printed Wagyu beef using stem cells isolated from Japanese cattle.

• The method can be applied to produce other complicated structures.

• The cell-based meat business may be worth $20 million by 2027.

World’s first 3D-printed Wagyu beef

According to a press release, scientists from Osaka University created the world’s first 3D-printed Wagyu beef using stem cells isolated from Japanese cattle. The product resembles a realistic steak piece, complete with muscle, fat, and blood vessels.

Wagyu (Japanese cow) beef is one of the most sought-after and expensive meats in the world due to its high marble content. Marbling, or sashi in Japan, refers to the visible layers of intramuscular fat that give the beef its rich flavors and distinctive texture, and 3D printing Wagyu is an extremely difficult feat because most cultured meats produced thus far resemble mince composed of simple muscle fibers rather than the complex structure of real beef steaks.

The researchers were able to recreate this unique grade of meat using a unique process, and their discoveries might open the way for a more sustainable future with readily available cultured meat.

Bioprinting the beef

According to the article published in the journal Nature Communications, the researchers employed two types of stem cells, bovine satellite cells and adipose-derived stem cells insulated from Wagyu cows. The cells were then cultured and encouraged to become the numerous cell types needed to create individual fibers for muscle, fat, and blood vessels.

These were heaped into a 3D stack to imitate Wagyu marbling.

The researchers then devised a technique inspired by Japanese Kintaro sweets, an old traditional treat produced in a long pipe and sliced into pieces. The stacks were perpendicularly cut to produce lab-grown beef slices, allowing for a high degree of personalization within the complicated flesh structure.

This is how they were able to replicate the famed Wagyu texture. The synthetic meat “looks more like the genuine thing,” according to the researchers, and the method can be applied to produce other complicated structures.

“By improving this technology, it will be possible to not only reproduce complex meat structures, such as the beautiful sashi of Wagyu beef but to also make subtle adjustments to the fat and muscle components,” senior author Michiya Matsusaki said.

A promising start

The researchers didn’t say how much the steaks would cost to make or how long it would take to get them to market, but it seems promising.

According to Markets & Markets, the cell-based meat business may be worth $20 million by 2027. If such efforts are successful in disrupting the food supply chain, the 3D printing revolution may one day eliminate the need to get meat from cattle, opening the way for a new, more sustainable method to consume meat in the future.

Also Read: Chinese companies aim to buy the US agricultural products.

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• A recent modeling study demonstrates how climate change impacts terrestrial carbon cycles.
• Changes in soil temperature and moisture impact global carbon emissions.

Study reveals how carbon is released from soil

In a modeling study published in Global Change Biology, ecologists from San Diego State University found that high microbial fluctuation in the soil leads to more carbon emissions as weather influences microbes in the soil such as bacteria and fungi. Microbes consume carbon as the source of energy. These microbes consume more carbon as they increase in quantity which results in more carbon emissions and vice versa.  It is also a fundamental mechanism that helps control regional-climate interactions as well as below-ground soil biogeochemistry.

Predicting Climate-Carbon Interactions

Through the modeling study, Scientists discovered a way to reduce carbon emissions by keeping the microbial population at a constant level as different soil microbial groups play distinct roles in the carbon cycle. The finding advances soil microbial ecology and demonstrate the ecological significance of microbial seasonality and our understanding of soil carbon storage under changing climate conditions. Co-author and ecologist at San Diego State University, Chun-Ta Lai, says that the study demonstrates the need to incorporate microbial seasonality in earth system models to improve predictions of climate-carbon interactions.

Given the dynamics of land-use change around the world, researchers will now explore microbial seasonality and its impact on global carbon balance.

Also Read:- New Guinea Impatiens: Facts and information on care and growth

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• Matchbox is launching a series of toy cars based on electric vehicles.
• The first model will be a mini version of the Tesla Roadster.
• Toymakers moving towards plastic-free products and packaging.

Breathing the polluted air

From dawn to dusk, we are breathing the polluted air present in the environment. Carbon monoxide harmful gas affecting the human body. Cars and trucks are the sources of nearly two-thirds of this pollutant. The next thing that we use commonly “Plastic”. Plastics are present in the environment for a long time. Affecting the wildlife and spreading toxins. Plastic also contributes to global warming.

Matchbox creating awareness among children

Matchbox is releasing a line of electric vehicle toy cars. They are making sustainable cars. The first edition would be a mini version of the Tesla Roadster, followed by other brands and scaled-down charging stations. The toymaker trying to increase children’s awareness in regards to the motor that are affecting the environment. Other Matchbox vehicles on the market will be focused on electric and hybrid vehicles manufactured by Nissan, Toyota, and BMW.

Matchbox moving towards zero plastic

The Tesla Roadster will be the first die-cast model made entirely of recycled materials. The toy car is made of recycled zinc and rubber, with just 1% non-recycled stainless steel. The packaging will be done with paper and wood fibre.

A step towards an eco-friendly environment by toymakers

Mattel, which owns the Hot Wheels brand, intends to use 100 percent recycled, recyclable, or bio-based plastic materials in the production of all of its products and packaging by 2030. Lego will now spend up to $400 million (£310 million) over the next three years to boost its environmental activities. Waitrose also announced that it would no longer market children’s magazines containing recycled disposable toys to reduce waste.

Read here:- Urbanization polluting the rivers of Hong Kong

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Together, towards the sustainable Middle East

Prince Mohammed bin Salman called the leaders of Qatar, Bahrain, Iraq, Kuwait, and Sudan to discuss this massive plantation drive in the region. The step has been taken to increase the contribution towards renewable energy and to enhance the efficiency of oil production. Multiple efforts to preserve the marine and coastal environment, and to increase the percentage of natural reserves were also discussed.

Rising desertification due to climate change in the area poses a great threat to the economies of the Middle East. As the largest oil-producing region in the world, the countries aim to contribute to a sustainable life in the future.

The Saudi Green Initiative

The crown prince has initiated ‘Green Saudi’ and ‘Green Middle East’ to combat the problems associated with carbon emissions in the area. The plan aims to reduce emissions by 60% in the region. The initiative aims to grow vegetation cover, preserve marine life reduce land degradation and carbon emissions.

10 billion trees are to be planted to be within the Kingdom of Saudi Arabia in the coming years. Carbon emissions will significantly be reduced by more than 4% of global contributions. This will be achieved by adopting a renewable energy program that would generate 50% of Saudi’s energy needs by 2030.

The Saudi Green Initiative is a part of the crown prince’s vision 2030 to reduce the country’s reliance on oil-generated revenues and increase the quality of life.

This tree plantation is the largest afforestation program in the world, double the size of the ‘Great Green Wall’ which is now the second-largest initiative.

Also Read, Africa’s First Vertical Forest to Breath All Pollution

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In this emerging market, the major players in the blockchain in agriculture and food supply chain market are Ambrosus, IBM, SAP-SE, Microsoft, Arc-net, Rip. Io, OriginTrail, ChainVine, AgriDigital, and Provenance.

Blockchain in Agriculture Technology

Blockchain with IoT is an emerging trend that will influence the future of agriculture.  Several technologies have revolutionized the agriculture technology, however; such deep technologies will further enhance the Agriculture and Food Supply chain market. Companies are leveraging blockchain to secure data in IoT devices. These devices can collect, transfer, and store data over a wireless network.  When IoT devices are combined with blockchain, it enables smart dices to exchange data and other financial transactions in a scalable, private, and reliable manner.

Blockchain technology with IoT further supports businesses to share and access data without the need for central control management. Recently, the companies have transformed their operations to utilize compelling technologies to the forefront. As the key agriculture technology players ingest and scale the best of these new ideas and products in 2021, bringing real results and clear value for framers is going to be paramount.

The same has been confirmed in an article published by Thales in 2019, that blockchain in IoT devices has doubled and a majority of the organizations plan to consider blockchain technology shortly.

Related:- 6 Most Disruptive Technology Trends of the Year

What are the new trends in agriculture?

• Regenerative Ag
• Ag Biotech
• Automation & Robotics
• Ag Fintech & Insurance
• Farm Management Software
• Precision Pollination
• Ag Marketplaces
• Indoor Farming

Also Read, Chinese companies aim to buy the US agricultural products

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Amresh Singh farmer from Karamdih village started the cultivation of hop-shoots on 5 kathas of his land. Six years ago, this crop was sold for 1000 pounds a kg in the international markets. Since there was no cultivation of hop shoots in India, the crop was rarely seen. It could be bought only by placing a special order.

“I am happy to say that more than 60 percent of its cultivation has happened successfully,” Singh said. Dr. Lal of the Indian Vegetable Research Institute at Varanasi is looking after the cultivation of hop-shoots (Humulus-lupulus).

Benefits of hop-shoots crop

The fruit, flower, and stem of hop-shoots are very beneficial. They are used for making beverages and beer. The medical usage of the crop is in making antibiotics. The medicine made with the stem has proved highly effective in the treatment of Tuberculosis.

Speaking about its utility, he said that they are all used in beverage making, beer making, and for medicinal purposes like in making. The medicine, which is made with the stem of this vegetable, has also been found to have a high curative effect on (TB).

Amresh put forth, “Its flower is called hop-cones or strobile, which is used as a stability agent in the making of beer.  The rest of the twigs are used for food and medicine purposes.”

The European countries utilize the crop as an herb. Since the vegetable is also a rich source of antioxidants, it is used for keeping the skin gleaming and young. Hop shoots was originally utilized as a flavoring agent in beer and then its usage in herbal medicine and as a vegetable shifted gradually.

Regions of hop-shoot cultivation

European countries like Britain, Germany, and others mainly carried out the cultivation of the hop shoots crop. In India, it was done earlier in Himachal Pradesh but was stopped since its marketing did not take off.

Also Read, Home Gardening Turns Hobby Around The World During Coronavirus

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